SANTA CRUZ - WATSONVILLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Santa Cruz - Watsonville averaged
7.39%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.35% and
one month ago for the week of 2026-10-01, the
average rate was 7.49%.
Santa Cruz - Watsonville's average rate one year ago was 6.28%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.24%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Santa Cruz - Watsonville 30 Year Fixed Rate | 2026-11-05 | 7.39% |
| Santa Cruz - Watsonville 30 Year Fixed Rate Refi | 2026-11-05 | 7.24% |
| Santa Cruz - Watsonville 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Santa Cruz - Watsonville 15 Year Fixed Rate Refi | 2026-11-05 | 6.57% |
| Santa Cruz - Watsonville 30 Year FHA | 2026-11-05 | 6.59% |
| Santa Cruz - Watsonville 30 Year FHA Refi | 2026-11-05 | 7.03% |
| Santa Cruz - Watsonville 30 Year USDA | 2026-11-05 | 6.9% |
| Santa Cruz - Watsonville 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Santa Cruz - Watsonville 30 Year VA | 2026-11-05 | 6.66% |
| Santa Cruz - Watsonville 30 Year VA Refi | 2026-11-05 | 6.76% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SANTA CRUZ-WATSONVILLE, CA.
SANTA CRUZ - WATSONVILLE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SANTA CRUZ-WATSONVILLE, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SANTA CRUZ - WATSONVILLE Average Closing Costs & Other Stats
SANTA CRUZ-WATSONVILLE, CA's 160 lenders originated 3,314
loans during 2025. The total origination value was $2,619,780,000, with an average loan value of
$790,519.
SANTA CRUZ - WATSONVILLE's average closing costs are $6,507.
The top SANTA CRUZ - WATSONVILLE lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
238 loans originated. Their average total fees are
$7,849, which is $308
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are
STAR ONE CREDIT UNION ($3,824), JPMorgan Chase Bank ($4,424), Morgan Stanley Private Bank ($4,659), PNC Bank ($5,045) and Charles Schwab Bank, SSB ($5,168).
The lowest rate SANTA CRUZ - WATSONVILLE lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (5.48%), Morgan Stanley Private Bank (5.77%), PNC Bank (5.83%), LOANDEPOT.COM, LLC (5.88%) and STAR ONE CREDIT UNION (5.88%).
SANTA CRUZ-WATSONVILLE, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| MACKILLIE INCORPORATED | $8,240,000 | $516,815,000 | 6,172.0% | 19.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $209,195,000 | $250,705,000 | 19.8% | 9.6% |
| Wells Fargo Bank | $44,180,000 | $200,285,000 | 353.3% | 7.6% |
| QUICKEN LOANS, LLC | $114,640,000 | $168,520,000 | 47.0% | 6.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $98,700,000 | $117,785,000 | 19.3% | 4.5% |
| BAY | $98,670,000 | $117,435,000 | 19.0% | 4.5% |
| JPMorgan Chase Bank | $31,735,000 | $87,935,000 | 177.1% | 3.4% |
| U.S. Bank | $57,280,000 | $70,845,000 | 23.7% | 2.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $46,995,000 | $52,675,000 | 12.1% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $15,005,000 | $38,915,000 | 159.3% | 1.5% |
| GUILD MORTGAGE COMPANY | $20,415,000 | $33,880,000 | 66.0% | 1.3% |
| Bank of America | $46,980,000 | $32,250,000 | -31.4% | 1.2% |
| Morgan Stanley Private Bank | $39,205,000 | $29,130,000 | -25.7% | 1.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $23,745,000 | $26,180,000 | 10.3% | 1.0% |
| STAR ONE CREDIT UNION | $19,980,000 | $25,955,000 | 29.9% | 1.0% |
| GUARANTEED RATE, INC. | $17,085,000 | $25,140,000 | 47.1% | 1.0% |
| BMO Harris Bank | $33,305,000 | $24,000,000 | -27.9% | 0.9% |
| THE GOLDEN 1 | $10,640,000 | $23,825,000 | 123.9% | 0.9% |
| GUARANTEED RATE AFFINITY, LLC | $16,655,000 | $21,245,000 | 27.6% | 0.8% |
| ML Mortgage Corp. | $8,685,000 | $19,020,000 | 119.0% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $7,910,000 | $18,535,000 | 134.3% | 0.7% |
| Comerica Bank | $6,550,000 | $18,370,000 | 180.5% | 0.7% |
| FINANCE OF AMERICA REVERSE LLC | $10,140,000 | $16,940,000 | 67.1% | 0.6% |
| PNC Bank | $6,670,000 | $16,880,000 | 153.1% | 0.6% |
| Cornerstone First Mortgage, Inc | $11,890,000 | $16,490,000 | 38.7% | 0.6% |
| Charles Schwab Bank, SSB | $23,185,000 | $16,035,000 | -30.8% | 0.6% |
| CMG MORTGAGE, INC. | $3,005,000 | $15,300,000 | 409.2% | 0.6% |
| LOANDEPOT.COM, LLC | $3,775,000 | $14,585,000 | 286.4% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $10,650,000 | $14,530,000 | 36.4% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $7,475,000 | $14,040,000 | 87.8% | 0.5% |
| Citibank | $47,585,000 | $13,960,000 | -70.7% | 0.5% |
| NEXERA HOLDING LLC | $9,265,000 | $12,905,000 | 39.3% | 0.5% |
| Franklin Loan Corporation | $7,890,000 | $12,190,000 | 54.5% | 0.5% |
| BROKER SOLUTIONS, INC. | $7,270,000 | $10,885,000 | 49.7% | 0.4% |
| The Loan Store, Inc. | $6,100,000 | $10,740,000 | 76.1% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,165,000 | $10,735,000 | 239.2% | 0.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,370,000 | $10,300,000 | 334.6% | 0.4% |
| NEWREZ LLC | $8,775,000 | $10,165,000 | 15.8% | 0.4% |
| Commerce Home Mortgage, Inc. | $5,560,000 | $9,210,000 | 65.6% | 0.4% |
| STANFORD Federal Credit Union | $10,500,000 | $9,185,000 | -12.5% | 0.4% |
| OCMBC, INC. | $4,875,000 | $9,165,000 | 88.0% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $12,470,000 | $8,180,000 | -34.4% | 0.3% |
| Fremont Bank | $7,860,000 | $8,065,000 | 2.6% | 0.3% |
| General Mortgage Capital Corporation | $7,930,000 | $7,850,000 | -1.0% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $3,745,000 | $7,530,000 | 101.1% | 0.3% |
| Goldman Sachs Bank USA | $2,455,000 | $6,985,000 | 184.5% | 0.3% |
| UBS Bank USA | $7,510,000 | $6,685,000 | -11.0% | 0.3% |
| S1L, Inc. | $4,500,000 | $6,485,000 | 44.1% | 0.2% |
| AMWEST FUNDING CORP. | $3,010,000 | $6,420,000 | 113.3% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $5,945,000 | $6,315,000 | 6.2% | 0.2% |
| SPRING EQ, LLC | $1,380,000 | $6,260,000 | 353.6% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $8,085,000 | $6,215,000 | -23.1% | 0.2% |
| Performance Financial, Inc. | $690,000 | $6,120,000 | 787.0% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $9,310,000 | $6,095,000 | -34.5% | 0.2% |
| Mechanics Bank | $55,000 | $5,625,000 | 10,127.3% | 0.2% |
| BETTER MORTGAGE CORPORATION | $4,005,000 | $5,555,000 | 38.7% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,585,000 | $5,415,000 | -3.0% | 0.2% |
| TECHNOLOGY | $2,775,000 | $5,385,000 | 94.1% | 0.2% |
| Citadel Servicing Corporation | $3,715,000 | $5,305,000 | 42.8% | 0.2% |
| ZILLOW HOME LOANS, LLC | $1,225,000 | $5,260,000 | 329.4% | 0.2% |
| ALLIANT CREDIT UNION | $6,550,000 | $5,020,000 | -23.4% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $4,150,000 | $5,020,000 | 21.0% | 0.2% |
| Mortgage Research Center, LLC | $4,810,000 | $4,835,000 | 0.5% | 0.2% |
| EVERETT FINANCIAL, INC. | $4,205,000 | $4,820,000 | 14.6% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $4,325,000 | $4,705,000 | 8.8% | 0.2% |
| Axos Bank | $5,270,000 | $4,340,000 | -17.6% | 0.2% |
| FUNDLOANS CAPITAL | $550,000 | $4,285,000 | 679.1% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $4,355,000 | $4,285,000 | -1.6% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $4,435,000 | $4,160,000 | -6.2% | 0.2% |
| PATELCO | $2,100,000 | $3,995,000 | 90.2% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,450,000 | $3,790,000 | 161.4% | 0.1% |
| JMAC LENDING, INC. | $3,945,000 | $3,775,000 | -4.3% | 0.1% |
| HighTechLending Inc | $7,430,000 | $3,670,000 | -50.6% | 0.1% |
| NBKC BANK | $2,255,000 | $3,625,000 | 60.8% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $2,115,000 | $3,615,000 | 70.9% | 0.1% |
| MERIWEST | $820,000 | $3,480,000 | 324.4% | 0.1% |
| Golden Empire Mortgage, Inc. | $1,100,000 | $3,410,000 | 210.0% | 0.1% |
| FIRST TECHNOLOGY | $465,000 | $3,300,000 | 609.7% | 0.1% |
| HomeTrust Bank | $1,595,000 | $3,270,000 | 105.0% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $515,000 | $3,235,000 | 528.2% | 0.1% |
| GOOGAIN, INC. | $1,955,000 | $3,205,000 | 63.9% | 0.1% |
| Flagstar Bank, FSB | $8,885,000 | $3,195,000 | -64.0% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $885,000 | $3,160,000 | 257.1% | 0.1% |
| PHH Mortgage Corporation | $1,080,000 | $3,160,000 | 192.6% | 0.1% |
| BAY EQUITY LLC | $2,760,000 | $3,095,000 | 12.1% | 0.1% |
| Provident Credit Union | $4,035,000 | $3,080,000 | -23.7% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $585,000 | $3,040,000 | 419.7% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,930,000 | $2,940,000 | 52.3% | 0.1% |
| City National Bank | $2,860,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $505,000 | $2,735,000 | 441.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,040,000 | $2,690,000 | 158.7% | 0.1% |
| Citizens Bank | $405,000 | $2,605,000 | 543.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $845,000 | $2,585,000 | 205.9% | 0.1% |
| CENTRAL COAST LENDING, INC. | $2,565,000 | n/a | 0.1% | |
| Merchants Mortgage & Trust Corporation | $2,565,000 | n/a | 0.1% | |
| Firefighters First Federal Credit Union | $585,000 | $2,530,000 | 332.5% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $1,285,000 | $2,515,000 | 95.7% | 0.1% |
| Figure Lending LLC | $2,425,000 | $2,375,000 | -2.1% | 0.1% |
| NexBank | $2,360,000 | n/a | 0.1% | |
| ADVANCIAL | $2,350,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $1,470,000 | $2,285,000 | 55.4% | 0.1% |
| USAA Federal Savings Bank | $875,000 | $2,280,000 | 160.6% | 0.1% |
| OAKTREE FUNDING CORP. | $455,000 | $2,250,000 | 394.5% | 0.1% |
| Murphy Bank | $370,000 | $2,225,000 | 501.4% | 0.1% |
| Zions Bank | $940,000 | $2,225,000 | 136.7% | 0.1% |
| SUMMIT FUNDING, INC. | $4,345,000 | $2,185,000 | -49.7% | 0.1% |
| East West Bank | $1,820,000 | $2,180,000 | 19.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $285,000 | $2,160,000 | 657.9% | 0.1% |
| Equity Prime Mortgage LLC | $2,160,000 | n/a | 0.1% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $7,200,000 | $2,150,000 | -70.1% | 0.1% |
| SCHOOLSFIRST | $1,170,000 | $2,150,000 | 83.8% | 0.1% |
| USAlliance Federal Credit Union | $970,000 | $2,100,000 | 116.5% | 0.1% |
| EQUITY WAVE LENDING, INC. | $2,045,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,345,000 | $2,040,000 | 51.7% | 0.1% |
| PremierOne Credit Union | $1,055,000 | $2,025,000 | 91.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,995,000 | n/a | 0.1% | |
| SANTA CLARA COUNTY | $1,965,000 | $1,990,000 | 1.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $760,000 | $1,940,000 | 155.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,080,000 | $1,730,000 | -16.8% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,145,000 | $1,730,000 | 51.1% | 0.1% |
| ARC HOME LLC | $4,695,000 | $1,700,000 | -63.8% | 0.1% |
| Greenbox Loans, Inc. | $1,615,000 | n/a | 0.1% | |
| WESCOM CENTRAL CREDIT UNION | $435,000 | $1,610,000 | 270.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $1,585,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $1,815,000 | $1,570,000 | -13.5% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,560,000 | n/a | 0.1% | |
| Ameris Bank | $905,000 | $1,555,000 | 71.8% | 0.1% |
| Watermark Capital, Inc. | $4,830,000 | $1,550,000 | -67.9% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $705,000 | $1,520,000 | 115.6% | 0.1% |
| PACIFIC SERVICE | $900,000 | $1,510,000 | 67.8% | 0.1% |
| Coastal Community Bank | $475,000 | $1,495,000 | 214.7% | 0.1% |
| DATA MORTGAGE, INC. | $1,230,000 | $1,460,000 | 18.7% | 0.1% |
| The Central Trust Bank | $1,435,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $525,000 | $1,430,000 | 172.4% | 0.1% |
| ONY GLO, INC. | $585,000 | $1,425,000 | 143.6% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $1,345,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $2,390,000 | $1,345,000 | -43.7% | 0.1% |
| First-Citizens Bank & Trust Company | $1,105,000 | $1,335,000 | 20.8% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,085,000 | $1,270,000 | 17.1% | 0.0% |
| Beeline Loans, Inc. | $1,255,000 | n/a | 0.0% | |
| SAN DIEGO COUNTY CREDIT UNION | $1,255,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $1,815,000 | $1,245,000 | -31.4% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $1,760,000 | $1,230,000 | -30.1% | 0.0% |
| REDWOOD | $1,205,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $555,000 | $1,165,000 | 109.9% | 0.0% |
| First Bank | $755,000 | $1,160,000 | 53.6% | 0.0% |
| UNIVERSITY CREDIT UNION | $1,135,000 | n/a | 0.0% | |
| Granite Community Bank | $1,125,000 | n/a | 0.0% | |
| The Federal Savings Bank | $55,000 | $1,105,000 | 1,909.1% | 0.0% |
| COASTAL FUNDING SLC, INC. | $1,045,000 | $1,090,000 | 4.3% | 0.0% |
| DELMAR FINANCIAL COMPANY | $1,145,000 | $1,085,000 | -5.2% | 0.0% |
| Umpqua Bank | $1,095,000 | $1,070,000 | -2.3% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $1,035,000 | n/a | 0.0% | |
| SAFE CREDIT UNION | $55,000 | $1,035,000 | 1,781.8% | 0.0% |
| Truist | $1,035,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $1,035,000 | $1,020,000 | -1.4% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $1,150,000 | $1,015,000 | -11.7% | 0.0% |
| CHEVRON | $1,005,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $910,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $6,690,000 | $905,000 | -86.5% | 0.0% |
| Provident Savings Bank, F.S.B. | $905,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $610,000 | $905,000 | 48.4% | 0.0% |
| Stifel Bank and Trust | $7,405,000 | $905,000 | -87.8% | 0.0% |
| Bank of Stockton | $895,000 | n/a | 0.0% | |
| Sunflower Bank | $895,000 | n/a | 0.0% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $885,000 | n/a | 0.0% | |
| Raymond James Bank | $655,000 | $885,000 | 35.1% | 0.0% |
| TEACHERS | $875,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $840,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $1,300,000 | $835,000 | -35.8% | 0.0% |
| Eagle Community Credit Union | $825,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $720,000 | $785,000 | 9.0% | 0.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,540,000 | $765,000 | -50.3% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $760,000 | n/a | 0.0% | |
| First Federal Bank | $755,000 | n/a | 0.0% | |
| HomePromise Corporation | $745,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $275,000 | $745,000 | 170.9% | 0.0% |
| VISION ONE MORTGAGE, INC. | $745,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $725,000 | n/a | 0.0% | |
| Quontic Bank | $725,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $2,495,000 | $705,000 | -71.7% | 0.0% |
| HOMESTEAD FUNDING CORP. | $695,000 | n/a | 0.0% | |
| Logan Finance Corporation | $1,975,000 | $685,000 | -65.3% | 0.0% |
| SNAPFI, INC. | $905,000 | $685,000 | -24.3% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $675,000 | n/a | 0.0% | |
| ALKAN MORTGAGE CORPORATION | $665,000 | n/a | 0.0% | |
| M&T Bank | $665,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $635,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $625,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $255,000 | $620,000 | 143.1% | 0.0% |
| T. J. FINANCIAL, INC. | $595,000 | n/a | 0.0% | |
| KEYPOINT | $765,000 | $585,000 | -23.5% | 0.0% |
| MORIA DEVELOPMENT, INC. | $585,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $565,000 | n/a | 0.0% | |
| Royal Business Bank | $545,000 | n/a | 0.0% | |
| Mission City Federal Credit Union | $925,000 | $530,000 | -42.7% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,580,000 | $525,000 | -66.8% | 0.0% |
| CommonWealth Central Credit Union | $505,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $505,000 | $505,000 | 0.0% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $1,595,000 | $485,000 | -69.6% | 0.0% |
| LADERA LENDING, INC. | $75,000 | $470,000 | 526.7% | 0.0% |
| North Coast Financial, Inc. | $2,165,000 | $445,000 | -79.4% | 0.0% |
| PREMIER LENDING, INC. | $435,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $555,000 | $435,000 | -21.6% | 0.0% |
| PROPER RATE, LLC | $4,400,000 | $425,000 | -90.3% | 0.0% |
| CITIZENS EQUITY FIRST | $505,000 | $410,000 | -18.8% | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | $405,000 | n/a | 0.0% | |
| Consolidated Federal Credit Union | $395,000 | n/a | 0.0% | |
| First National Bank of America | $1,305,000 | $395,000 | -69.7% | 0.0% |
| NMSI, INC. | $930,000 | $385,000 | -58.6% | 0.0% |
| Amalgamated Bank | $375,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $355,000 | n/a | 0.0% | |
| COAST 2 COAST FUNDING GROUP, INC. | $345,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $2,165,000 | $340,000 | -84.3% | 0.0% |
| CENTRAL VALLEY COMMUNITY BANK | $325,000 | n/a | 0.0% | |
| San Mateo Credit Union | $755,000 | $310,000 | -58.9% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $305,000 | n/a | 0.0% | |
| VENTURA COUNTY | $305,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $85,000 | $280,000 | 229.4% | 0.0% |
| Home Mortgage Alliance Corp | $1,355,000 | $275,000 | -79.7% | 0.0% |
| 5TH STREET CAPITAL, INC. | $265,000 | n/a | 0.0% | |
| The Dart Bank | $265,000 | n/a | 0.0% | |
| KINECTA | $2,100,000 | $260,000 | -87.6% | 0.0% |
| California Coast Credit Union | $255,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $335,000 | $255,000 | -23.9% | 0.0% |
| HomeStreet Bank | $255,000 | n/a | 0.0% | |
| Educational Employees Credit Union | $1,070,000 | $220,000 | -79.4% | 0.0% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $195,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $455,000 | $175,000 | -61.5% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $175,000 | n/a | 0.0% | |
| CBC Federal Credit Union | $520,000 | $155,000 | -70.2% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,220,000 | $155,000 | -87.3% | 0.0% |
| THRIVENT Federal Credit Union | $145,000 | n/a | 0.0% | |
| UNCLE Credit Union | $510,000 | $145,000 | -71.6% | 0.0% |
| LOANPAL, LLC | $500,000 | $125,000 | -75.0% | 0.0% |
| Banner Bank | $105,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $105,000 | n/a | 0.0% | |
| Discover Bank | $1,620,000 | $65,000 | -96.0% | 0.0% |
SANTA CRUZ - WATSONVILLE's top lender by overall market share is MACKILLIE INCORPORATED, with 19.7% market share. In second place, with 9.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $250,705,000 in loans. In third place, with 7.6%, is Wells Fargo Bank, having originated $200,285,000 in loans. In fourth place, with 6.4%, is QUICKEN LOANS, LLC, having originated $168,520,000 in loans. In fifth place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $117,785,000 in loans.
SANTA CRUZ - WATSONVILLE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $899,472 (5.9%) | $1,396,805 (9.7%) | 3.33 | 220 |
| 2018-02-01 | $899,250 (5.9%) | $1,382,567 (7.2%) | 3.26 | 246 |
| 2018-03-01 | $976,500 (10.1%) | $1,367,781 (3.6%) | 3.43 | 286 |
| 2018-04-01 | $950,000 (5.6%) | $1,441,990 (7.9%) | 3.22 | 337 |
| 2018-05-01 | $939,000 (4.5%) | $1,412,309 (8.1%) | 3.14 | 379 |
| 2018-06-01 | $971,000 (5.7%) | $1,416,724 (9.1%) | 3.24 | 421 |
| 2018-07-01 | $962,500 (4.1%) | $1,371,001 (6.0%) | 3.21 | 474 |
| 2018-08-01 | $929,006 (3.2%) | $1,309,226 (4.1%) | 3.11 | 525 |
| 2018-09-01 | $925,000 (2.8%) | $1,290,292 (3.2%) | 3.11 | 560 |
| 2018-10-01 | $897,000 (-0.2%) | $1,281,559 (3.8%) | 3.04 | 561 |
| 2018-11-01 | $899,500 (0.1%) | $1,300,835 (-0.4%) | 3.05 | 536 |
| 2018-12-01 | $895,000 (-0.4%) | $1,307,537 (-0.2%) | 3.09 | 428 |
| 2019-01-01 | $896,500 (-0.3%) | $1,329,675 (-4.8%) | 3.10 | 321 |
| 2019-02-01 | $899,000 (0.0%) | $1,306,642 (-5.5%) | 3.04 | 303 |
| 2019-03-01 | $940,121 (-3.7%) | $1,342,249 (-1.9%) | 3.07 | 350 |
| 2019-04-01 | $986,821 (3.9%) | $1,341,204 (-7.0%) | 3.13 | 410 |
| 2019-05-01 | $999,125 (6.4%) | $1,336,669 (-5.4%) | 3.12 | 469 |
| 2019-06-01 | $996,500 (2.6%) | $1,372,995 (-3.1%) | 3.11 | 514 |
| 2019-07-01 | $957,125 (-0.6%) | $1,333,530 (-2.7%) | 3.00 | 583 |
| 2019-08-01 | $960,818 (3.4%) | $1,337,063 (2.1%) | 3.04 | 580 |
| 2019-09-01 | $954,170 (3.2%) | $1,341,141 (3.9%) | 3.05 | 568 |
| 2019-10-01 | $949,000 (5.8%) | $1,343,860 (4.9%) | 3.06 | 553 |
| 2019-11-01 | $949,250 (5.5%) | $1,363,268 (4.8%) | 3.11 | 465 |
| 2019-12-01 | $899,250 (0.5%) | $1,390,006 (6.3%) | 3.00 | 305 |
| 2020-01-01 | $899,500 (0.3%) | $1,383,186 (4.0%) | 3.01 | 238 |
| 2020-02-01 | $925,000 (2.9%) | $1,361,002 (4.2%) | 3.03 | 262 |
| 2020-03-01 | $949,000 (0.9%) | $1,337,346 (-0.4%) | 2.97 | 325 |
| 2020-04-01 | $948,500 (-3.9%) | $1,315,874 (-1.9%) | 2.97 | 356 |
| 2020-05-01 | $959,500 (-4.0%) | $1,356,750 (1.5%) | 2.92 | 388 |
| 2020-06-01 | $1,018,250 (2.2%) | $1,496,095 (9.0%) | 3.00 | 377 |
| 2020-07-01 | $1,094,000 (14.3%) | $1,518,079 (13.8%) | 3.17 | 351 |
| 2020-08-01 | $1,100,000 (14.5%) | $1,617,445 (21.0%) | 3.15 | 311 |
| 2020-09-01 | $1,088,250 (14.1%) | $1,558,731 (16.2%) | 3.12 | 273 |
| 2020-10-01 | $1,072,500 (13.0%) | $1,556,863 (15.9%) | 3.07 | 270 |
| 2020-11-01 | $1,042,222 (9.8%) | $1,469,102 (7.8%) | 3.05 | 255 |
| 2020-12-01 | $972,919 (8.2%) | $1,403,710 (1.0%) | 2.89 | 217 |
| 2021-01-01 | $950,000 (5.6%) | $1,390,225 (0.5%) | 2.84 | 167 |
| 2021-02-01 | $944,500 (2.1%) | $1,435,531 (5.5%) | 2.75 | 149 |
| 2021-03-01 | $1,074,750 (13.3%) | $1,501,887 (12.3%) | 3.05 | 159 |
| 2021-04-01 | $1,134,250 (19.6%) | $1,632,051 (24.0%) | 3.07 | 185 |
| 2021-05-01 | $1,199,500 (25.0%) | $1,698,025 (25.2%) | 3.19 | 206 |
| 2021-06-01 | $1,231,000 (20.9%) | $1,695,900 (13.4%) | 3.24 | 215 |
| 2021-07-01 | $1,200,000 (9.7%) | $1,647,008 (8.5%) | 3.17 | 234 |
| 2021-08-01 | $1,172,250 (6.6%) | $1,548,492 (-4.3%) | 3.13 | 243 |
| 2021-09-01 | $1,200,000 (10.3%) | $1,586,279 (1.8%) | 3.20 | 221 |
| 2021-10-01 | $1,250,000 (16.6%) | $1,669,649 (7.2%) | 3.33 | 187 |
| 2021-11-01 | $1,348,250 (29.4%) | $1,698,584 (15.6%) | 3.60 | 151 |
| 2021-12-01 | $1,283,750 (32.0%) | $1,587,594 (13.1%) | 3.48 | 101 |
| 2022-01-01 | $1,200,000 (26.3%) | $1,498,415 (7.8%) | 3.24 | 83 |
| 2022-02-01 | $1,249,500 (32.3%) | $1,498,586 (4.4%) | 3.25 | 106 |
| 2022-03-01 | $1,297,750 (20.8%) | $1,587,953 (5.7%) | 3.25 | 136 |
| 2022-04-01 | $1,299,000 (14.5%) | $1,634,705 (0.2%) | 3.10 | 156 |
| 2022-05-01 | $1,397,500 (16.5%) | $1,724,447 (1.6%) | 3.19 | 234 |
| 2022-06-01 | $1,363,500 (10.8%) | $1,722,783 (1.6%) | 3.04 | 269 |
| 2022-07-01 | $1,332,000 (11.0%) | $1,692,267 (2.8%) | 3.00 | 325 |
| 2022-08-01 | $1,344,500 (14.7%) | $1,660,443 (7.2%) | 3.11 | 312 |
| 2022-09-01 | $1,386,000 (15.5%) | $1,720,097 (8.4%) | 3.24 | 286 |
| 2022-10-01 | $1,349,000 (7.9%) | $1,723,678 (3.2%) | 3.17 | 297 |
| 2022-11-01 | $1,399,000 (3.8%) | $1,777,598 (4.7%) | 3.36 | 266 |
| 2022-12-01 | $1,345,000 (4.8%) | $1,715,599 (8.1%) | 3.32 | 232 |
| 2023-01-01 | $1,285,750 (7.2%) | $1,643,300 (9.7%) | 3.18 | 171 |
| 2023-02-01 | $1,316,250 (5.3%) | $1,659,280 (10.7%) | 3.18 | 176 |
| 2023-03-01 | $1,397,000 (7.7%) | $1,790,272 (12.7%) | 3.29 | 173 |
| 2023-04-01 | $1,399,000 (7.7%) | $1,856,567 (13.6%) | 3.25 | 204 |
| 2023-05-01 | $1,432,000 (2.5%) | $1,810,164 (5.0%) | 3.25 | 243 |
| 2023-06-01 | $1,387,000 (1.7%) | $1,748,746 (1.5%) | 3.12 | 280 |
| 2023-07-01 | $1,375,000 (3.2%) | $1,764,170 (4.3%) | 3.13 | 297 |
| 2023-08-01 | $1,298,000 (-3.5%) | $1,717,326 (3.4%) | 2.98 | 312 |
| 2023-09-01 | $1,250,000 (-9.8%) | $1,723,492 (0.2%) | 2.91 | 319 |
| 2023-10-01 | $1,197,000 (-11.3%) | $1,695,612 (-1.6%) | 2.82 | 332 |
| 2023-11-01 | $1,174,857 (-16.0%) | $1,674,739 (-5.8%) | 2.80 | 311 |
| 2023-12-01 | $1,182,000 (-12.1%) | $1,611,871 (-6.1%) | 2.88 | 248 |
| 2024-01-01 | $1,062,000 (-17.4%) | $1,536,203 (-6.5%) | 2.59 | 200 |
| 2024-02-01 | $1,074,850 (-18.3%) | $1,597,220 (-3.7%) | 2.59 | 193 |
| 2024-03-01 | $1,199,000 (-14.2%) | $1,709,344 (-4.5%) | 2.82 | 225 |
| 2024-04-01 | $1,298,000 (-7.2%) | $1,841,445 (-0.8%) | 3.02 | 270 |
| 2024-05-01 | $1,299,000 (-9.3%) | $1,906,698 (5.3%) | 2.96 | 344 |
| 2024-06-01 | $1,296,500 (-6.5%) | $1,898,389 (8.6%) | 2.95 | 375 |
| 2024-07-01 | $1,295,750 (-5.8%) | $1,803,485 (2.2%) | 2.96 | 395 |
| 2024-08-01 | $1,277,000 (-1.6%) | $1,795,602 (4.6%) | 2.97 | 432 |
| 2024-09-01 | $1,273,375 (1.9%) | $1,758,017 (2.0%) | 3.00 | 448 |
| 2024-10-01 | $1,287,500 (7.6%) | $1,723,255 (1.6%) | 3.05 | 439 |
| 2024-11-01 | $1,249,000 (6.3%) | $1,698,702 (1.4%) | 3.00 | 425 |
| 2024-12-01 | $1,182,500 (0.0%) | $1,639,745 (1.7%) | 2.93 | 324 |
| 2025-01-01 | $1,158,875 (9.1%) | $1,610,167 (4.8%) | 2.89 | 290 |
| 2025-02-01 | $1,194,500 (11.1%) | $1,678,991 (5.1%) | 2.90 | 311 |
| 2025-03-01 | $1,200,000 (0.1%) | $1,714,706 (0.3%) | 2.82 | 376 |
| 2025-04-01 | $1,249,500 (-3.7%) | $1,730,168 (-6.0%) | 2.90 | 453 |
| 2025-05-01 | $1,299,000 (0.0%) | $1,735,076 (-9.0%) | 2.95 | 550 |
| 2025-06-01 | $1,297,000 (0.0%) | $1,741,005 (-8.3%) | 2.94 | 606 |
| 2025-07-01 | $1,250,000 (-3.5%) | $1,696,938 (-5.9%) | 2.84 | 616 |
| 2025-08-01 | $1,249,000 (-2.2%) | $1,729,044 (-3.7%) | 2.90 | 584 |
| 2025-09-01 | $1,248,750 (-1.9%) | $1,766,681 (0.5%) | 2.94 | 553 |
| 2025-10-01 | $1,249,750 (-2.9%) | $1,796,646 (4.3%) | 2.94 | 507 |
| 2025-11-01 | $1,249,000 (0.0%) | $1,825,568 (7.5%) | 3.01 | 457 |
| 2025-12-01 | $1,197,500 (1.3%) | $1,802,159 (9.9%) | 2.99 | 346 |
| 2026-01-01 | $1,162,500 (0.3%) | $1,731,787 (7.6%) | 2.91 | 277 |
| 2026-02-01 | $1,190,000 (-0.4%) | $1,661,198 (-1.1%) | 2.95 | 290 |
| 2026-03-01 | $1,195,000 (-0.4%) | $1,613,183 (-5.9%) | 2.87 | 342 |
| 2026-04-01 | $1,199,500 (-4.0%) | $1,657,308 (-4.2%) | 2.82 | 420 |
| 2026-05-01 | $1,295,000 (-0.3%) | $1,712,588 (-1.3%) | 3.02 | 475 |
| 2026-06-01 | $1,293,750 (-0.3%) | $1,698,772 (-2.4%) | 3.01 | 468 |
| 2026-07-01 | $1,299,500 (4.0%) | $1,670,095 (-1.6%) | 3.03 | 481 |
| 2026-08-01 | $1,268,000 (1.5%) | $1,640,246 (-5.1%) | 2.99 | 501 |
| 2026-09-01 | $1,249,750 (0.1%) | $1,666,363 (-5.7%) | 0.00 | 513 |
| 2026-10-01 | $1,225,000 (-2.0%) | $1,638,351 (-8.8%) | 0.00 | 509 |
SANTA CRUZ - WATSONVILLE's median listing price for 2026-10-01 was $1,225,000, a difference of
$-24,750
(-2.0%) versus the prior year and
$-24,750 versus the prior month.
SANTA CRUZ - WATSONVILLE's median listing price comes in at 0% of the national average.
SANTA CRUZ - WATSONVILLE's average listing price for 2026-10-01 was $1,638,351, a difference of $-158,295 (-8.8%) versus the prior year and $-28,012 versus the prior month.
For the 2026-10-01 period, SANTA CRUZ - WATSONVILLE had 509 MLS listings, a difference of -4 listings (-1%) versus the prior month and 2 listings (0%) versus the prior year.
SANTA CRUZ - WATSONVILLE's median listing price comes in at 0% of the national average.
SANTA CRUZ - WATSONVILLE's average listing price for 2026-10-01 was $1,638,351, a difference of $-158,295 (-8.8%) versus the prior year and $-28,012 versus the prior month.
For the 2026-10-01 period, SANTA CRUZ - WATSONVILLE had 509 MLS listings, a difference of -4 listings (-1%) versus the prior month and 2 listings (0%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SANTA CRUZ - WATSONVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 67 days | 1,719 sqft |
| 2018-02-01 | 36 days | 1,608 sqft |
| 2018-03-01 | 30 days | 1,677 sqft |
| 2018-04-01 | 35 days | 1,699 sqft |
| 2018-05-01 | 33 days | 1,663 sqft |
| 2018-06-01 | 39 days | 1,693 sqft |
| 2018-07-01 | 42 days | 1,716 sqft |
| 2018-08-01 | 43 days | 1,655 sqft |
| 2018-09-01 | 46 days | 1,657 sqft |
| 2018-10-01 | 52 days | 1,650 sqft |
| 2018-11-01 | 56 days | 1,673 sqft |
| 2018-12-01 | 67 days | 1,614 sqft |
| 2019-01-01 | 81 days | 1,605 sqft |
| 2019-02-01 | 66 days | 1,661 sqft |
| 2019-03-01 | 41 days | 1,716 sqft |
| 2019-04-01 | 33 days | 1,762 sqft |
| 2019-05-01 | 36 days | 1,736 sqft |
| 2019-06-01 | 46 days | 1,744 sqft |
| 2019-07-01 | 47 days | 1,677 sqft |
| 2019-08-01 | 53 days | 1,669 sqft |
| 2019-09-01 | 58 days | 1,684 sqft |
| 2019-10-01 | 61 days | 1,691 sqft |
| 2019-11-01 | 69 days | 1,700 sqft |
| 2019-12-01 | 95 days | 1,625 sqft |
| 2020-01-01 | 90 days | 1,636 sqft |
| 2020-02-01 | 39 days | 1,610 sqft |
| 2020-03-01 | 34 days | 1,634 sqft |
| 2020-04-01 | 47 days | 1,672 sqft |
| 2020-05-01 | 53 days | 1,725 sqft |
| 2020-06-01 | 44 days | 1,740 sqft |
| 2020-07-01 | 45 days | 1,842 sqft |
| 2020-08-01 | 48 days | 1,842 sqft |
| 2020-09-01 | 66 days | 1,799 sqft |
| 2020-10-01 | 62 days | 1,795 sqft |
| 2020-11-01 | 57 days | 1,722 sqft |
| 2020-12-01 | 59 days | 1,617 sqft |
| 2021-01-01 | 54 days | 1,618 sqft |
| 2021-02-01 | 35 days | 1,538 sqft |
| 2021-03-01 | 33 days | 1,636 sqft |
| 2021-04-01 | 27 days | 1,654 sqft |
| 2021-05-01 | 25 days | 1,792 sqft |
| 2021-06-01 | 31 days | 1,798 sqft |
| 2021-07-01 | 29 days | 1,792 sqft |
| 2021-08-01 | 31 days | 1,665 sqft |
| 2021-09-01 | 42 days | 1,827 sqft |
| 2021-10-01 | 49 days | 1,851 sqft |
| 2021-11-01 | 64 days | 1,952 sqft |
| 2021-12-01 | 74 days | 1,833 sqft |
| 2022-01-01 | 52 days | 1,646 sqft |
| 2022-02-01 | 17 days | 1,574 sqft |
| 2022-03-01 | 18 days | 1,535 sqft |
| 2022-04-01 | 24 days | 1,600 sqft |
| 2022-05-01 | 23 days | 1,712 sqft |
| 2022-06-01 | 28 days | 1,723 sqft |
| 2022-07-01 | 36 days | 1,705 sqft |
| 2022-08-01 | 41 days | 1,700 sqft |
| 2022-09-01 | 45 days | 1,738 sqft |
| 2022-10-01 | 44 days | 1,705 sqft |
| 2022-11-01 | 54 days | 1,796 sqft |
| 2022-12-01 | 66 days | 1,723 sqft |
| 2023-01-01 | 78 days | 1,703 sqft |
| 2023-02-01 | 61 days | 1,691 sqft |
| 2023-03-01 | 38 days | 1,723 sqft |
| 2023-04-01 | 36 days | 1,786 sqft |
| 2023-05-01 | 32 days | 1,753 sqft |
| 2023-06-01 | 32 days | 1,754 sqft |
| 2023-07-01 | 36 days | 1,696 sqft |
| 2023-08-01 | 40 days | 1,587 sqft |
| 2023-09-01 | 39 days | 1,600 sqft |
| 2023-10-01 | 43 days | 1,531 sqft |
| 2023-11-01 | 48 days | 1,516 sqft |
| 2023-12-01 | 60 days | 1,438 sqft |
| 2024-01-01 | 68 days | 1,351 sqft |
| 2024-02-01 | 49 days | 1,387 sqft |
| 2024-03-01 | 36 days | 1,428 sqft |
| 2024-04-01 | 33 days | 1,553 sqft |
| 2024-05-01 | 32 days | 1,606 sqft |
| 2024-06-01 | 36 days | 1,596 sqft |
| 2024-07-01 | 45 days | 1,601 sqft |
| 2024-08-01 | 44 days | 1,609 sqft |
| 2024-09-01 | 47 days | 1,580 sqft |
| 2024-10-01 | 51 days | 1,578 sqft |
| 2024-11-01 | 53 days | 1,550 sqft |
| 2024-12-01 | 70 days | 1,509 sqft |
| 2025-01-01 | 73 days | 1,507 sqft |
| 2025-02-01 | 41 days | 1,470 sqft |
| 2025-03-01 | 36 days | 1,514 sqft |
| 2025-04-01 | 36 days | 1,561 sqft |
| 2025-05-01 | 38 days | 1,612 sqft |
| 2025-06-01 | 45 days | 1,662 sqft |
| 2025-07-01 | 52 days | 1,647 sqft |
| 2025-08-01 | 59 days | 1,635 sqft |
| 2025-09-01 | 64 days | 1,645 sqft |
| 2025-10-01 | 61 days | 1,649 sqft |
| 2025-11-01 | 67 days | 1,622 sqft |
| 2025-12-01 | 84 days | 1,582 sqft |
| 2026-01-01 | 81 days | 1,548 sqft |
| 2026-02-01 | 52 days | 1,535 sqft |
| 2026-03-01 | 38 days | 1,561 sqft |
| 2026-04-01 | 34 days | 1,606 sqft |
| 2026-05-01 | 41 days | 1,657 sqft |
| 2026-06-01 | 48 days | 1,697 sqft |
| 2026-07-01 | 53 days | 1,695 sqft |
| 2026-08-01 | 53 days | 1,689 sqft |
| 2026-09-01 | 0 days | 1,697 sqft |
| 2026-10-01 | 0 days | 1,700 sqft |
SANTA CRUZ - WATSONVILLE's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2026-10-01 period was 1,700 sqft. One year prior, the average listing was 1,649 sqft.
SANTA CRUZ - WATSONVILLE's median square footage for active listings during the 2026-10-01 period was 1,700 sqft. One year prior, the average listing was 1,649 sqft.
SANTA CRUZ-WATSONVILLE, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,343 | $1,081,285,000 | $805,127 |
| Cash Out Refi | 779 | $275,855,000 | $354,114 |
| Refi | 644 | $1,113,660,000 | $1,729,286 |
| Other | 281 | $87,675,000 | $312,011 |
| Home Improvement | 265 | $60,425,000 | $228,019 |
| NA | 2 | $880,000 | $440,000 |
Santa Cruz - Watsonville's most frequently cited loan purpose was Home Purchase, with 1,343 originations. The 2nd most popular reason was Cash Out Refi, with 779 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,415 | $968,795,000 | $684,661 |
| 7-8% | 730 | $338,270,000 | $463,384 |
| 5-6% | 560 | $595,650,000 | $1,063,661 |
| Over 8% | 547 | $671,895,000 | $1,228,327 |
| 4-5% | 31 | $34,565,000 | $1,115,000 |
| <2.5% | 10 | $1,040,000 | $104,000 |
| 3-4% | 8 | $3,810,000 | $476,250 |
| 2.5-3% | 3 | $1,505,000 | $501,667 |
During 2025, Santa Cruz - Watsonville's most frequently originated rate bucket was 6-7%, with 1,415 originations.
Loan Sizing (SANTA CRUZ-WATSONVILLE, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 921 | $709,005,000 | $769,821 |
| $200k-400k | 628 | $179,610,000 | $286,003 |
| $400k-600k | 541 | $265,895,000 | $491,488 |
| $Over $1MM | 522 | $1,388,550,000 | $2,660,057 |
| $100k-200k | 429 | $59,245,000 | $138,100 |
| $100,000 or less | 273 | $17,475,000 | $64,011 |
SANTA CRUZ - WATSONVILLE's loan sizing saw the bucket of loans from $600k-1000k with 921 originations, totaling $709,005,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 860 | $130,430,000 | $151,663 |
| 60-80% | 775 | $855,545,000 | $1,103,929 |
| 20-40% | 576 | $245,360,000 | $425,972 |
| 80-100% | 559 | $493,785,000 | $883,336 |
| 40-60% | 480 | $349,180,000 | $727,458 |
| Over 100% | 9 | $516,545,000 | $57,393,889 |
SANTA CRUZ - WATSONVILLE's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 860 originations, totaling $130,430,000 in origination value.